LON:0IL0 Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Net Income	14,364	16,978	17,408	12,923	22,176	Upgrade
Asset Writedown & Restructuring Costs	-695	-1,116	-760	361	-1,996	Upgrade
Provision for Credit Losses	1,606	-186	-1,670	5,550	-4,936	Upgrade
Change in Trading Asset Securities	10,663	-25,310	-1,077	34,787	46,983	Upgrade
Other Operating Activities	-1,175	-117	-836	-8,013	-13,236	Upgrade
Operating Cash Flow	23,989	-10,520	11,883	43,826	47,211	Upgrade
Operating Cash Flow Growth	-	-	-72.89%	-7.17%	-	Upgrade
Sale of Property, Plant & Equipment	2,704	3,636	5,718	2,860	3,536	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	174,556	138,993	109,686	82,193	79,146	Upgrade
Other Investing Activities	9,644	9,616	3,871	5,075	8,168	Upgrade
Investing Cash Flow	186,904	152,245	119,275	90,128	90,850	Upgrade
Short-Term Debt Issued	11,795	637	-	-	-	Upgrade
Long-Term Debt Issued	293,484	280,960	251,568	810,663	1,415,364	Upgrade
Total Debt Issued	305,279	281,597	251,568	810,663	1,415,364	Upgrade
Short-Term Debt Repaid	-	-	-682	-	-	Upgrade
Long-Term Debt Repaid	-512,118	-418,764	-381,054	-965,407	-1,560,486	Upgrade
Total Debt Repaid	-512,118	-418,764	-381,736	-965,407	-1,560,486	Upgrade
Net Debt Issued (Repaid)	-206,839	-137,167	-130,168	-154,744	-145,122	Upgrade
Other Financing Activities	-7	-3	-	-	69	Upgrade
Financing Cash Flow	-206,846	-137,170	-130,168	-154,744	-145,053	Upgrade
Net Cash Flow	4,047	4,555	990	-20,790	-6,992	Upgrade
Cash Interest Paid	136,769	128,770	118,897	101,469	106,205	Upgrade
Cash Income Tax Paid	2,425	2,871	2,750	3,511	5,500	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.